Channel

Finek | Fintech & Banking

@bankandfintech

On this record: Topic · Growth · Engagement · What this channel posts · Reactions · Stars · Advertising · Posts · Posts edited after publishing · Posts recorded as deleted · Polls · Citations · Handles named that no longer answer · Telegram's recommendations · Cite this entry

13,304subscribers

+1,549 since we began measuring on 6 August 2026

Risers and fallers across the register · movement among entries of 10,000–31,623.

Register entry

Topic

Other / unclassifiable — a classification, not a measurement. An on-box language model (Qwen3.6-35B-A3B-FP8, prompt version 1) read this channel’s own recent posts on 11 September 2026 and assigned it the closest of 31 fixed categories, at 84% confidence. This is a model’s judgement about what the channel is likely to be about, not a fact this register measured the way a subscriber count or a view count is measured — it can be revised on a later pass, and it carries no weight anywhere else on this page. How this classification works, and the other topics.

Growth

Engagement

95 posts held, back to 14 July 2026 — the reader has not yet reached the start of this channel’s public history, so older posts may sit further back, unread. Read across 57 pages of Telegram’s post history, 20 posts per page.

ERR · 30 days

37.8%

avg views ÷ 13,304 subscribers

Avg views / post

5,030

29 posts measured

Reaction rate

0.947%

reactions ÷ views · ER floor

Posts in window

29

of 95 held

ERR is average views per post over the last 30 days divided by subscribers, the definition TGStat uses, so this figure is comparable with the one you will see elsewhere. It falls structurally as a channel grows: a high ERR on a small channel and a low one on a large channel describe reach mathematics, not quality. We publish the figure and the sample it came from and pass no verdict on it.

ER is defined industry-wide as (forwards + reactions + comments) ÷ views — note the denominator is views, not subscribers. Telegram’s public web preview carries views and reactions but not forward or comment counts, so the reaction rate above is the reactions term only and is therefore a floor: the true ER for this channel is higher by an amount we have not measured and will not estimate.

Views are a single reading per post, taken at the time above. A post published in the last day or two is still accumulating views, which pulls the 30-day average down slightly. That is a property of the standard definition rather than a fault in it, so we keep the definition rather than “correcting” the number into something nobody can reproduce.

Precision. Telegram publishes view counts on its public widget in short form — 8.12K, 3.7M — so any reading at or above 1,000 reaches us rounded to three significant figures, and only counts below 1,000 are exact. Averages and rates derived from them are shown to the same precision rather than to the unit: a figure like 3,701,250 would assert digits nobody measured.

Reaction counts are published per emoji and rounded the same way, so a total below 1,000 is exact and a larger one is a sum that may carry a rounded component from each emoji above 1,000. Because it is a sum, it does not look rounded — read a large reaction total as three significant figures per contributing emoji rather than as the figure it prints.

What this channel posts

Photos

258

Videos

1

Links

650

Lifetime counters from Telegram’s own channel header, read 7 November 2026 — not the date at the top of this page, which is when the subscriber count was last read. Below Telegram’s rounding threshold, so these counts are exact.

Reaction mix

4,988 reactions across 92 posts, in 10 distinct kinds. The most used accounts for 36.2% of them.

Custom emoji. 9 of the rows above are Telegram custom emoji, which the public preview renders as an element carrying only a numeric id — no character, and no image we can reach. The id is printed as-is rather than substituted with a look-alike glyph, because a stand-in would be our invention showing where a measurement should be. The counts beside them are Telegram’s.

No sentiment is inferred, and none should be read in. This table is ordered by count and by nothing else. Emoji do not carry stable meaning across languages or communities — 🙏 is thanks in one channel and mourning in another — so we publish which ones were pressed and how often, and pass no judgement on what an audience meant by them.

Precision. Telegram publishes reaction counts per emoji and short-forms each one — 4.34K, 1.2M — so any single kind at or above 1,000 reaches us at three significant figures, and only counts below 1,000 are exact. The shares above are ratios of those figures and carry the same error. This is also why the total here can differ slightly from a reaction total printed elsewhere on the page: both are sums of the same rounded parts, taken over samples with different edges.

Coverage. Reactions were read on 95 of the 95 sampled posts in this sample. Summed by Telegram’s own count on each post — not by adding up the per-emoji breakdown above — those same posts carry 5,091 reactions in total: the kind of figure the paragraph above means by “a reaction total printed elsewhere on the page”.

Measured over the 95 most recent posts we hold, published 14 July 2026 to 7 November 2026, using the newest reading held for each. Telegram Stars are excluded: they are a payment, not a reaction, and they have their own section.

Telegram Stars

Stars received

16

across the posts below

Posts paid on

11

of 95 we hold a reading for · 12%

Most on one post

4

single highest reading

A paid reaction is a reader spending Telegram Stars — bought with money — on a post by @bankandfintech. Telegram publishes the count on the public post preview alongside ordinary reactions, and this register reads it there. It is the only figure on this site that measures money moving rather than attention.

Stars are not reactions, and the two are never added. They are rendered in the same strip on Telegram and counted in the same shape, but one is a tap and the other is a purchase. The reaction totals and the engagement rate elsewhere on this page exclude every figure in this section, and no rate here is computed against a reaction count.

This is not revenue, and we publish no currency figure. What a Star costs a reader and what it pays a channel are different numbers, Telegram takes a share we cannot observe, and the terms have changed. Converting a Star count into money would be an estimate dressed as a measurement, so the count is where we stop.

Counted over the 95 most recent posts we hold for this entry, published 14 July 2026 to 7 November 2026. Star counts above 1,000 reach us in Telegram’s short form and carry the same three-significant-figure rounding as everything else on this page.

Advertising

Ad load

3.16%

3 of 95 posts carry an ad marker

Regulatory tokens

0

none — marked by hashtag only

Median views · ads

5,620

over 3 measured posts

Median views · rest

5,180

over 92 measured posts

An ad marker, not a judgement about a post. A post is counted here because it carries one of two explicit markings: an erid token, which Russian law has required on paid placements since 2022 and which is issued against a specific advertising contract, or a #реклама / #ad hashtag in the body, which is the channel declaring it itself. The first is documentary; the second is a self-declaration and is weaker. No classifier reads the text and decides — nothing on this site guesses that a post is an advertisement.

This is a floor, and it can only ever be a floor. A channel that runs paid placements without marking them produces no marker for us to count, and an unmarked ad is indistinguishable from an ordinary post on the public surface. The ad load above therefore means “the share of posts that declared themselves”, never “the share of posts that were paid for”. A low figure is not evidence of a channel that runs few ads.

Both figures are medians, and no ratio between them is published. Each is a view reading that actually occurred on a post, picked by percentile_disc rather than averaged, so one viral post cannot move it and no interpolated value is invented between two readings. The sample on one side is under five posts, which is too thin to compare. The two figures are shown side by side with the count behind each, and deliberately not divided into a headline like “ads get x% fewer views” — an arithmetic that is easy to print and, at this sample size, means nothing.

Measured over the 95 most recent posts we hold, published 14 July 2026 to 7 November 2026. Views are the latest single reading held for each post, and any reading at or above 1,000 is rounded by Telegram to three significant figures.

Recent posts

Telegram’s own ‘edited’ marker: 23 of 29 posts held from the last 30 days (79.3%) carried it when this register last read them. The marker says a post was changed after publishing, not what it said before — this register holds the earlier wording only where an edit fell between two of its own reads (see the edit ledger and how it is measured).

Showing the 12 most recent of 95 posts we hold for @bankandfintech. View and reaction counts are the latest single reading for each post, not a live figure, and a recent post is still accumulating both. A view count marked ≈ was rounded by Telegram before we ever saw it — t.me prints views in full below 1,000 and to three significant figures above, so ≈1,200,000 means somewhere between 1,150,000 and 1,249,999. Unmarked counts are exact. Text is reproduced from the public post preview and truncated for length.

Posts edited after publishing

@bankandfintech edited 9 posts after it first published — the same permalink now carries different wording than the one this register originally read, caught because our own crawl held a copy of the earlier text.

An edit is not deception. Typo fixes, price updates and corrections look exactly like this too — this register can tell you the wording changed and when, not why. How this is measured.

First edit seen

19 August 2026

Most recent edit

3 November 2026

Posts recorded as deleted after publishing

We recorded 1 post on @bankandfintech as deleted — posts this register held that were missing from the channel’s public page on two separate reads, taken from different network addresses at least an hour apart.

A deletion is not wrongdoing. This register can see that a post it held is no longer on the channel’s public page, and when — not why. Expired ad placements, reposts, rotating links and corrections all look the same. This is a count of recorded detections, not an exact total: it misses deletions we could not see, because only a post we held and later re-read inside the page can be seen to go, and it may include a small number of wrong records. How this is measured.

First seen missing

18 August 2026

Most recent seen missing

18 August 2026

Median time before seen missing

14 hours

Seen missing in the last 30 days

0

Polls

The 4 polls we hold for this entry, as Telegram rendered them when we read the post. A poll’s figures keep moving after that, so each one is dated.

Percentages only — there are no per-option vote counts here, because Telegram publishes none. The public post preview gives each option’s share and a single voter total, and nothing else. Multiplying one by the other would produce a per-option tally that looks measured and is not: the shares are rounded to whole numbers before we ever see them. We print what was published and leave the column that does not exist empty.

The shares need not add up to 100. Rounding alone puts many polls at 99 or 101. A poll that allows more than one answer per voter runs well past 100 by design, and several here do. The bars are drawn against a fixed 100% track at each option’s own percentage rather than normalised to the total, so a poll that exceeds it shows that it does instead of being quietly rescaled.

Read from the 95 most recent posts we hold, published 14 July 2026 to 7 November 2026. Telegram labels each poll by kind — an anonymous poll, a quiz, a closed set of final results — and that label is reproduced rather than paraphrased.

Handles this channel named that no longer answer

Dead references

1

handles named in this channel’s posts, vacant today

Evidenced gone

0

we ourselves saw one of these resolve, at some point

Never seen alive

1

vacant every time we have ever looked

@bankandfintech named 1 handle that resolve to nothing today. That is a fact about the reference, not necessarily a fact about the handle’s history — see the two groups below.

Most of these may never have existed as a live channel at all. A handle a channel names can be a typo, an aspirational name nobody registered, or a channel that was already gone before this one ever mentioned it. Unless a row below is marked evidenced, all we know is that it references a handle that is not a live channel today — not that anything “died”. How this is measured.

Never seen alive

References a handle that is not a live channel — we have no record it ever was one.

Cite this entry

A live page changes as we take new readings, so a citation should name the measurement it is based on, not just the URL. The line below cites the subscriber count as measured 7 November 2026 — this entry's latest reading, not the date you are reading this.

“Finek | Fintech & Banking” (@bankandfintech), 13,304 subscribers as measured 7 November 2026. Telegram Register, tgregister.com/channel/bankandfintech.

Full measurement history, CC BY 4.0. Every reading this register holds for this entry, not just the latest one, as a dated, downloadable record: CSV · JSON. Free to use with attribution to tgregister.com. Each file carries its own generation timestamp, which is the figure to cite for exactly when the data was retrieved.